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Housing Glossary

You will find information here on all topics relating to housing in Barcelona

A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

Accrued interest

The interest applied as a penalisation when the debtor does not comply with repayment obligations. The amount must be established in the contract.

Active supermortgage

This allows the client to choose their loan's benchmark index (MIBOR at three months, six months or a year) so that payment can benefit from lower interest rates sooner.

Adaptable instalment

Characteristic of UCI superloans that allow the borrower to not pay one instalment a year for the first three years if there are problems due to holidays, extraordinary expenses, etc.

Advanced cancellation fee

A commission arising from the financial risk involved in the advanced cancellation of an operation. The applied commission compensates the financial institution for its financial losses.

AEDE

Direct state aid for paying the deposit on a property.

Affordable housing

Group of social housing or dwellings from social renovation projects that are sold or rented at below-market prices.

Affordable rent

The cost of renting these dwellings is below market prices after being included in operations concerning the rented flat pool, social renovation or social housing promotions.

Amortisation

Payment made to repay a loan.

Amortisation period

The duration of the loan. The contract establishes the date of the first and last payments. The longer the period, the lower the payments are, but the higher the interest. You therefore pay more in the end. The monthly instalment should not exceed 35% of your net income.

API

Estate agent. A qualified professional who acts as an intermediary between the two interested parties to facilitate the signing of a real estate contract, which can be a rental agreement, a sales agreement or another similar contract. They usually charge a percentage of the sales price as compensation or commission.

Applicant

A citizen who makes a registration application to the Barcelona Social Housing Applicants Registry, and who represents the other members of the dwelling unit included in the application.

APR

Annual Equivalent Rate. Effective annual cost of the mortgage in terms of interest, commissions and the repayment period. To compare loans, it is not enough to just look at the lowest APR, you also have to compare the conditions, the repayment period and the distribution of instalment payments.

Arbitri municipal de plusvàlua

Former denomination of the capital gains tax on landed property.

Assessment

The value of a dwelling certified by a specialised assessment company, in accordance with the mortgage market law. This certificate not only indicates the real value of the property, it also serves as a reference for obtaining the necessary financing.

Authorisation

Document in which the owner authorises the tenant to carry out building work in the dwelling's interior.

Close glossary

Housing offices only offer face-to-face assistance by prior appointment, so check out the “Housing calls you” service here to receive the most appropriate personalised assistance. If you also need assistance in energy rights, book an appointment with an energy-advice point (PAE) by clicking here. On the other hand, if you reside in an IMHAB public dwelling you can consult our contact, management and processing channels here.​

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IMHAB’s commitment to sustainability, efficiency and industrialised construction at Construmat trade fair

IMHAB’s commitment to sustainability, efficiency and industrialised construction at Construmat trade fair

07/05/2024 - 10:04

Housing. Construmat expands its exhibition area and expects more than 22,500 visitors in an edition characterised by innovation and the most sustainable systems. Barcelona City Council and IMHAB will also be present.

From 21 to 23 May, the Gran Via venue of Fira de Barcelona will host a new edition of Construmat, the leading trade fair for the construction and renovation sector. For three days, professionals from the sector will gather to showcase and promote all the latest developments, with a particular focus on solutions for accessibility, energy efficiency and sustainability – key issues for the Municipal Institute of Housing and Renovation of Barcelona (IMHAB).

As one of the most important public housing operators in Europe and a leader in the implementation of innovative and sustainable solutions in the construction and development of public housing, IMHAB will once again be present at Construmat this year, alongside Barcelona City Council. Their 98 m² stand will feature displays relevant to the achievement of their objectives.

IMHAB aims to promote a meeting place for professionals from both the public and private sectors. It will also take part in the Construmat Congress, presenting the most innovative proposals in the sector. Topics such as decarbonisation, the circular economy and industrialised construction systems – key issues in IMHAB’s current policy – will be discussed.

On Thursday 23 May at 10am, Joan Carles Melero, Director of Technical Services at IMHAB, will present the session entitled ‘Industrialised Housing and Project and Work Contracting: How to promote and build social housing quickly? This presentation will highlight IMHAB’s commitment to industrialised social housing in order to strengthen Barcelona’s social housing stock. This innovative and sustainable system allows for shorter construction times, and the single tender model for projects and works further accelerates construction.

Construmat 2024

The organisers have released some data for the 2024 edition: the exhibition area will grow by 50%, occupying around 10,000 m². More than 600 brands will participate and more than 22,500 visitors are expected. The guest country for this edition will be Morocco.

Construmat has prepared several offers within the fair, including practical learning workshops, a wood construction area and a space dedicated to start-ups. In addition, Construmat Awards will be presented to the best architectural projects.

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